Cal. Codes » Insurance Code / DIVISION 1. GENERAL RULES GOVERNING INSURANCE / PART 2. THE BUSINESS OF INSURANCE / CHAPTER 1. General Regulations / ARTICLE 6.9. The Equal Insurance HIV Act
California Codes

Cal. Insurance Code § 799.05 (2026)

The Equal Insurance HIV Act

✓ current as of May 2026
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A life or disability income insurer shall not consider the marital status, actual or perceived sexual orientation, gender, gender identity, gender expression, race, color, religion, national origin, ancestry, living arrangements, occupation, beneficiary designation, or ZIP Codes or other territorial classification within this state, or any combination thereof, of an applicant for life insurance or disability income insurance in determining whether to require an HIV test of that applicant.

Notes of Decisions
Cited in 1 case, 1996–1996 · leading case: Kotev v. First Colony Life Ins., 927 F. Supp. 1316 (C.D. Cal. 1996).
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Kotev v. First Colony Life Ins., 927 F. Supp. 1316 (C.D. Cal. 1996). “On February 1, 1996, Kotev filed a complaint in state court bringing the following causes of action: (1) violation of the Unruh Civil Rights Act, California Civil Code § 51; (2) negligence; (3) violation of Title III of the Americans with Disabilities Act; (4) violation of the…”
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